Systems and methods for processing transactions

摘要

The present disclosure includes a system, method, and article of manufacture for performing dispute resolution. The method may include retrieving an identifier that associates a funds request with a rewards currency request, crediting, based on the identifier, a transaction account based upon the funds request, and crediting, based on the identifier, a rewards account based upon the rewards currency request. The method may further comprise crediting the transaction account less a value associated with the rewards currency request and/or generating a first statement that shows a funds balance and a second statement that shows a rewards currency balance. A funds balance may be credited by an amount associated with the funds request, and a rewards currency balance may be credited by an amount associated with the rewards currency request.

主权项

1. A method comprising:
receiving, by a dispute resolution computer-based system, a submission having an identifier that associates a funds request with a rewards currency request, wherein the funds request comprises a request to apply funds to a split transaction and the rewards currency request comprises a request to apply rewards currency to the split transaction; determining, by the computer-based system, that the identifier is associated with a request for the split transaction, wherein the request comprises both the funds request and the rewards currency request; authorizing, by the computer-based system, the split transaction by obtaining a first authorization for the funds request and a second authorization for the rewards currency request,
wherein first authorization is for a reduced amount,wherein the reduced amount is an amount of the transaction less a monetary value associated with the rewards currency request; debiting, by the computer-based system, a rewards account based upon the rewards currency request; and debiting, by the computer-based system, a transaction account the reduced amount of the split transaction,
wherein the reduced amount is the amount of the transaction less the monetary value associated with the rewards currency request; resolving, by the computer-based system, a dispute associated with the split transaction, wherein the resolution comprises:
retrieving the identifier associated with the split transaction;determining, based on the identifier, a rewards amount;crediting the rewards amount to the rewards account;determining, based on the identifier, the reduced amount; andcrediting the reduced amount to the transaction account, wherein the reduced amount is the amount of the transaction less the monetary value associated with the rewards currency request.